Preview
****
FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK. 6/5/2023 9:50:01 AM.****
Bond No: 21BSBJB2602
IN THE 17 t--h Ju dicial Circuit COURT OF THE STATE OF Florida
IN AND FOR roward COUNTY
N-ED
JUN 0 5 2023
Irma Qureshi and George Guerrero
SUPERSEDEASAND COST BRENDA D. FORMAN
CLERK OF CIRCUIT-pppRT
BOND ON APPEAL BROWARDCOUI-Ty.FL
APPEALS DIVISION
Plaintiff
CASE NO: CACE 2021-007238 ( 08)
V
Universal Property & Casualty
Insurance Company
Defendant
KNOW ALL MEN BY THESE PRESENTS, That we. Universal Property & Casualty Insurance Company
the- DEFENDANT above named as Principal(s), and Hartford Fire Insurance Company a
-
,
comorhtion, organiz6d under the laws ofthe State of Connecticut and authorizedto transact business of
surety inthe State of Florida ,
as Surety, are held and firmly bound unto
Irma Qureshi And George Guerrero
the PLAINTIFF thejust and full sum of Seventy-Three Thousand Four Hundred Seventy-Nine
above named in
'
DOLLARS ($73,479.00 ), truly to be paid, we bind ourselves, our and each of our heirs,
for which sum, well and
executors, administrators, successors and assigns,jointly and severally, firmlyby these presents.
SIGNED with;our seals, and dated this 1st day of June 2023
THE CONDITION OF THIS OBLIGATIONIS SUCH, that WHEREAS, the above named PLAINTIFF on
the 26th day of May , 2023 ,
in the above entitledaction and Court, recovered judgment against the
DEFENDANT above named for the sum of Fifty Seven Thousand Eight Hundred Thirty Six and DOLLARS
83/100
($57,836.83
AND WHEREAS, The above named Principal(s) has heretoforegiven due and proper notice that they appeal from said decision
17th Judicial Court of the State of Florida
and judgment of said Court to the
Circuit
NOW, THEREFORE, ifthe said Principal Universal Property & Casualty Insurance Company
shall pay to Irma Oureshi and George Guerrero
the PLAINTIFF , damages that may be awarded against
above named, all costs and
Universal Propektv & Casualty Insurance Company on the appeal>or on the dismissal thereof, and shall satisfy and
perform the judgmelit or order appealed from, in case it shall be affirmed, and any judgment or order which the said Court ofAppeals
not exceeding, however
may render or make,ior order to be rendered or made by said Superior Court Florida
the penalty of this bond, then this obligationto be void; otherwise to remain in full force and effect.
Universal Property & Casualty Insurance Company
Pfincipal
Accepted by: Hartford'Fire Insurance Company ,
SWM
EIAPCV- P. Farmer, Attorney-iri-Fact
Judge Stephen
Dated:
****
FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK. 6/5/2023 9:50:01 AM.****
TAI ss. Lake Mary
COUNTY OF SEMINOLE ?
On this 20th day of May, 2021, before me personally came Joelle LaPierre, to me known, who being by me duly sworn, did depose and say. that
(s)he resides in Seminole County, State of Florida: that (s)he is the Assistant Vice President of the Companies, the corporations described in and which
executed the above instrument;that (s)he knows the seals of the said corporations;that the seals affixed to the said instrument are such corporate seals;
that they were so affixed by authority of the Boards of Directors of said corporations and that (s)he signed his/her name thereto by like authority.
N,Dt'.42.'.
..8 DE..
V Jessica Ciccone
': /ok *nsi.- My Commission HH 122280
Expires June 20,2025
I, the undersigned, AssistantVice President of the Companies, DO HEREBY CERTIFY that the above and foregoing is a true and correct
June 1, 2023.
copy of the Power of Attorney executed by said Companies, which is still in full force effective as of
Signed and sealed in Lake Mary, Florida.
IZ /*
1:nnMM 1.IAL =......E1 .--.8
OI....S ABGWEAY
, ,
Keith D. Dozois, Assistant Vice President
Instr# 119:88174BB: F;R(DW*BD]C(Mf4*> FReBmididtt FOIS)43112022
Broward County Commission
****
FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK 5/26/2023 4:30:00 PM.****
,'
IN THE CIRCUIT COURT OF THE
17th JUDICIAL CIRCUITIN AND FOR
BROWARD COUNTY, FLORIDA
IRMA QURESHI, an individual, and GENERALJURISDICTION DIVISION
GEORGE GUERRERO, an individual,
CASE NO.: CACE 2021-007238 (08)
Plaintiffs,
lt:<.t'.
:-4 *ttr b
V.
Filed in Open Cquft2 2
CLERK OF THE CIRCJJIT COURTIX
UNIVRESAL PROPERTY & CASUALTY
INSURANCE COMPANY, a Florida
ON
-125/26/.ZOB-.-
corporation, BY- W
Defendant.
1
FINAL JUDGMENT FOR IRMA OURESH[ AND GEORGE GUERRERO
THIS MATFER came before the Court for a-*day jury trial on February 14, 2023 and
February20,2023 throughFebruary 22,2023. The issues were duly tried before the jury and the jury
returneda verdict, a true and correct copy of which is attachedas Exhibit "1." The Verdict is in Irma
QureshiandGeorgeGuerrero's favofandagainstUniversalProperty & Casualty Insurance Company
finding that Univers#PipeAy & Casualty Insurance Company breached the contract at issue and
awarding dmmages to Irma Qureshi and George Guerrero.
ITtIS ORDERED AND ADJUDGED that Universal Property & Casualty Insurance
Company, 1110 West Commercial Boulevard, Fort Lauderdale, Florida 33309, pay Irma Qureshi
-
.
and George Guerrero, 9323 Savannah EstatesDrive, Lake Worth, Florida 33467, the principal sum
of Fifty-Seven Thousand Eight Hundred Thirty-Six Dollars and Eighty-Three Cents
($57,836.83).
The Court further finds that Irma Qureshi and George Guerrero are the prevailingparties
and, pursuant to Section 627.428, Florida Statutes, are entitled to recover their reasonable
Instr# 119881714.85: FL Brenda D. Forman, CLERK 6/5/2023 9:50:01 AM.****
---
-/.i.-P ---- Vf----=
****
FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK 5/26/2023 4:30:00 PM.****
CASE NO.: CACE 2021-007238 (08)
attorneys' fees fromUniversalProperty & CasualtyInsurance Company. Irma Qureshi and George
Guerrero are also entitled to recover their taxable costs pursuant to Section 57.041, Florida
Statutes.
The Court reservesjurisdictionto detenninethe amount ofprejudgmentinterest,attorneys' r
fees and costs to be awarded to Irma Qumshi and George Guerrero,which will be determined at8.t *
hle :
Z-.lt-
later date in accordance with Florida Rule of Civil Procedure 1.525.
N.,.J,
JZPNE AND ORDERED in chambers in Broward County, Florida, thik>b day of
Mc,7 2023.
/ +SLYEI--L ',/
'/X
3LlrDAVID A. HAIMES
/ ..CBC/JrICOURTWDGE
,.ri t- U
Copies Furnished to:
Allcounsel of record
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Ihstr# 11'888I7[4.BB: I}RCDW@4ijIiBYKft 9:36:Oi AM,****
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****
FILED: BROWARD COUNTY, FL Brei-da Q. Fotman, CLERK 5/20/2023 4:30:00 PM.****
2 *pv
7
IN THE CIRCUIT COURT OF THE
17th JUDICIALCIRCUITIN AND FOR
BROWARD COUNTY, FLORIDA
IRMA QURESHI, an individual, and GENERAL JURISDICTION DIVISION
GEORGE:G 'O,an individual,
' '
CASE NO.: CACE 2021-007238 (08) l't'-\\
Plaintiffs.
+E54 di;
V.
e.
UNIVERSAL PROPERTY & CASUALTY
INSURANCE COMPANY, a Florida 0
corporation, R
L tls
.r' W,
Defendant.
, -.F.M
2,1 .
9/- '-:
Ua/
VERDICT
We, *e jury, return the following vcr#jc:- /L
1.-Did the Plaintiffs prove by the greater weight of the evidence that the property incurred
a direct physical loss within the policy period June 5, 2020 to June 5, 2021?
-
-.
3 ,+-D.j.+3.=,inttjl::rrjrl ?j?
-
J.
Yes Y N537-
2. Did the PlaintiffsprB*e by the greater weight of the evidence that the property incurred
a direct physical loss due to constant or repeated seepage or leakage of water or steam or
the presence or c6ndensation of humidity, moisture or vapor, over a period of weeks,
months or years, and that such a seepage or leakaB of water or steam or the presence or
p.. condensationofhumidity, moisture or vapor, and the resulting damage is unknown to all
t: '-i*dureds and is hidden within the wallsor ceilings or beneath the floors or above the
rea ceilings of a sm?cUe?
Yes No
If your answerto Questions 1 or 2 is "Yes", please proceed to answer Question No.
3. H you answer *No" *6 both Queitions 1 ad 2, your verdict is for Universal
Property & Casualty Inhurance Company. Please skip Questions 3 and 4, sign and
date the Verdict Form And return it to the Bailiff.
1
em -U-'=.UJ.EL:UL,2-':
-I:. r:-?J'= =p.== - -- -
,=-
****.FILED: BROWARD COUNTY, FL Brenda D, Forman, CLERK 5/26/2Q23.*30IQO. PM.*"*
3. Did Universal Property and Casualty InsuranceCompany prove by the greakr weight of
the eyidence that the Plaintiffs failedto substantially comply with all oftheir po#t-loss
,
-- -
=
providing a valid s@brB#86fofloss, showing the dam4edpr6pmty amd c,iuse bfldis,
if reasonablypossible) and that such failue to substantiallycomply caused prejudice to
UniversalProperty & Casualty InsuranceCompany?
1
Yes No V -R: .t
//A
Ityour answer is "No", please proceedto answer Question No. 4. If your answer is
*Yes"; th,*youFverdic*is fo;IJnivgsilProperty & Casualty 1*sur=de.C,i Lw *-> 1
Me#se skip Ques:ij,n NK 4, sign ai@-date ihe Verdict Form and 4#jt f# tjtd -
Bailim -.I. I-2
rxii.. -V.
4. What is the total amount ofdamagesexcludingmold (fungi, wetordry rot, orbactena)
-that the PKdff; *rd-entitled.torecoverlom Univmsa! Propeir&.CasualtyF -Oi cei " '
4'.
-
Co: ; , y under the subject policy? Lzu >X V
57,836.83
7
Utc 1
t-'1?
S
Please sign and date the to the Bailitl that you have
reached averdict. Wl\,. j
/-,-,-,JB/i,
N.--tx i
E. 1, -
-
'.--49\TEr f- ==
MRC/.ikf:
- i-
Dated is 7.ay ofFebniaiy 2023.
.-
. -, V
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,/Ey.
NBEDMOAWNES
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B *
: 3.>. ,
22223
FEB
ATRUECOPY
2
Preview
**** FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK. 6/5/2023 9:50:01 AM.**** Bond No: 21BSBJB2602 IN THE 17 t--h Ju dicial Circuit COURT OF THE STATE OF Florida IN AND FOR roward COUNTY N-ED JUN 0 5 2023 Irma Qureshi and George Guerrero SUPERSEDEASAND COST BRENDA D. FORMAN CLERK OF CIRCUIT-pppRT BOND ON APPEAL BROWARDCOUI-Ty.FL APPEALS DIVISION Plaintiff CASE NO: CACE 2021-007238 ( 08) V Universal Property & Casualty Insurance Company Defendant KNOW ALL MEN BY THESE PRESENTS, That we. Universal Property & Casualty Insurance Company the- DEFENDANT above named as Principal(s), and Hartford Fire Insurance Company a - , comorhtion, organiz6d under the laws ofthe State of Connecticut and authorizedto transact business of surety inthe State of Florida , as Surety, are held and firmly bound unto Irma Qureshi And George Guerrero the PLAINTIFF thejust and full sum of Seventy-Three Thousand Four Hundred Seventy-Nine above named in ' DOLLARS ($73,479.00 ), truly to be paid, we bind ourselves, our and each of our heirs, for which sum, well and executors, administrators, successors and assigns,jointly and severally, firmlyby these presents. SIGNED with;our seals, and dated this 1st day of June 2023 THE CONDITION OF THIS OBLIGATIONIS SUCH, that WHEREAS, the above named PLAINTIFF on the 26th day of May , 2023 , in the above entitledaction and Court, recovered judgment against the DEFENDANT above named for the sum of Fifty Seven Thousand Eight Hundred Thirty Six and DOLLARS 83/100 ($57,836.83 AND WHEREAS, The above named Principal(s) has heretoforegiven due and proper notice that they appeal from said decision 17th Judicial Court of the State of Florida and judgment of said Court to the Circuit NOW, THEREFORE, ifthe said Principal Universal Property & Casualty Insurance Company shall pay to Irma Oureshi and George Guerrero the PLAINTIFF , damages that may be awarded against above named, all costs and Universal Propektv & Casualty Insurance Company on the appeal>or on the dismissal thereof, and shall satisfy and perform the judgmelit or order appealed from, in case it shall be affirmed, and any judgment or order which the said Court ofAppeals not exceeding, however may render or make,ior order to be rendered or made by said Superior Court Florida the penalty of this bond, then this obligationto be void; otherwise to remain in full force and effect. Universal Property & Casualty Insurance Company Pfincipal Accepted by: Hartford'Fire Insurance Company , SWM EIAPCV- P. Farmer, Attorney-iri-Fact Judge Stephen Dated: **** FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK. 6/5/2023 9:50:01 AM.**** TAI ss. Lake Mary COUNTY OF SEMINOLE ? On this 20th day of May, 2021, before me personally came Joelle LaPierre, to me known, who being by me duly sworn, did depose and say. that (s)he resides in Seminole County, State of Florida: that (s)he is the Assistant Vice President of the Companies, the corporations described in and which executed the above instrument;that (s)he knows the seals of the said corporations;that the seals affixed to the said instrument are such corporate seals; that they were so affixed by authority of the Boards of Directors of said corporations and that (s)he signed his/her name thereto by like authority. N,Dt'.42.'. ..8 DE.. V Jessica Ciccone ': /ok *nsi.- My Commission HH 122280 Expires June 20,2025 I, the undersigned, AssistantVice President of the Companies, DO HEREBY CERTIFY that the above and foregoing is a true and correct June 1, 2023. copy of the Power of Attorney executed by said Companies, which is still in full force effective as of Signed and sealed in Lake Mary, Florida. IZ /* 1:nnMM 1.IAL =......E1 .--.8 OI....S ABGWEAY , , Keith D. Dozois, Assistant Vice President Instr# 119:88174BB: F;R(DW*BD]C(Mf4*> FReBmididtt FOIS)43112022 Broward County Commission **** FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK 5/26/2023 4:30:00 PM.**** ,' IN THE CIRCUIT COURT OF THE 17th JUDICIAL CIRCUITIN AND FOR BROWARD COUNTY, FLORIDA IRMA QURESHI, an individual, and GENERALJURISDICTION DIVISION GEORGE GUERRERO, an individual, CASE NO.: CACE 2021-007238 (08) Plaintiffs, lt:<.t'. :-4 *ttr b V. Filed in Open Cquft2 2 CLERK OF THE CIRCJJIT COURTIX UNIVRESAL PROPERTY & CASUALTY INSURANCE COMPANY, a Florida ON -125/26/.ZOB-.- corporation, BY- W Defendant. 1 FINAL JUDGMENT FOR IRMA OURESH[ AND GEORGE GUERRERO THIS MATFER came before the Court for a-*day jury trial on February 14, 2023 and February20,2023 throughFebruary 22,2023. The issues were duly tried before the jury and the jury returneda verdict, a true and correct copy of which is attachedas Exhibit "1." The Verdict is in Irma QureshiandGeorgeGuerrero's favofandagainstUniversalProperty & Casualty Insurance Company finding that Univers#PipeAy & Casualty Insurance Company breached the contract at issue and awarding dmmages to Irma Qureshi and George Guerrero. ITtIS ORDERED AND ADJUDGED that Universal Property & Casualty Insurance Company, 1110 West Commercial Boulevard, Fort Lauderdale, Florida 33309, pay Irma Qureshi - . and George Guerrero, 9323 Savannah EstatesDrive, Lake Worth, Florida 33467, the principal sum of Fifty-Seven Thousand Eight Hundred Thirty-Six Dollars and Eighty-Three Cents ($57,836.83). The Court further finds that Irma Qureshi and George Guerrero are the prevailingparties and, pursuant to Section 627.428, Florida Statutes, are entitled to recover their reasonable Instr# 119881714.85: FL Brenda D. Forman, CLERK 6/5/2023 9:50:01 AM.**** --- -/.i.-P ---- Vf----= **** FILED: BROWARD COUNTY, FL Brenda D. Forman, CLERK 5/26/2023 4:30:00 PM.**** CASE NO.: CACE 2021-007238 (08) attorneys' fees fromUniversalProperty & CasualtyInsurance Company. Irma Qureshi and George Guerrero are also entitled to recover their taxable costs pursuant to Section 57.041, Florida Statutes. The Court reservesjurisdictionto detenninethe amount ofprejudgmentinterest,attorneys' r fees and costs to be awarded to Irma Qumshi and George Guerrero,which will be determined at8.t * hle : Z-.lt- later date in accordance with Florida Rule of Civil Procedure 1.525. N.,.J, JZPNE AND ORDERED in chambers in Broward County, Florida, thik>b day of Mc,7 2023. / +SLYEI--L ',/ '/X 3LlrDAVID A. HAIMES / ..CBC/JrICOURTWDGE ,.ri t- U Copies Furnished to: Allcounsel of record . - -A 7# Oy t. r,1.*. iT b -t, 5E. t ET,E-- -J.-F Ihstr# 11'888I7[4.BB: I}RCDW@4ijIiBYKft 9:36:Oi AM,**** - 14N--UA---U,-,-,SZ= 7 J =.-P --ZJE--ie **** FILED: BROWARD COUNTY, FL Brei-da Q. Fotman, CLERK 5/20/2023 4:30:00 PM.**** 2 *pv 7 IN THE CIRCUIT COURT OF THE 17th JUDICIALCIRCUITIN AND FOR BROWARD COUNTY, FLORIDA IRMA QURESHI, an individual, and GENERAL JURISDICTION DIVISION GEORGE:G 'O,an individual, ' ' CASE NO.: CACE 2021-007238 (08) l't'-\\ Plaintiffs. +E54 di; V. e. UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY, a Florida 0 corporation, R L tls .r' W, Defendant. , -.F.M 2,1 . 9/- '-: Ua/ VERDICT We, *e jury, return the following vcr#jc:- /L 1.-Did the Plaintiffs prove by the greater weight of the evidence that the property incurred a direct physical loss within the policy period June 5, 2020 to June 5, 2021? - -. 3 ,+-D.j.+3.=,inttjl::rrjrl ?j? - J. Yes Y N537- 2. Did the PlaintiffsprB*e by the greater weight of the evidence that the property incurred a direct physical loss due to constant or repeated seepage or leakage of water or steam or the presence or c6ndensation of humidity, moisture or vapor, over a period of weeks, months or years, and that such a seepage or leakaB of water or steam or the presence or p.. condensationofhumidity, moisture or vapor, and the resulting damage is unknown to all t: '-i*dureds and is hidden within the wallsor ceilings or beneath the floors or above the rea ceilings of a sm?cUe? Yes No If your answerto Questions 1 or 2 is "Yes", please proceed to answer Question No. 3. H you answer *No" *6 both Queitions 1 ad 2, your verdict is for Universal Property & Casualty Inhurance Company. Please skip Questions 3 and 4, sign and date the Verdict Form And return it to the Bailiff. 1 em -U-'=.UJ.EL:UL,2-': -I:. r:-?J'= =p.== - -- - ,=- ****.FILED: BROWARD COUNTY, FL Brenda D, Forman, CLERK 5/26/2Q23.*30IQO. PM.*"* 3. Did Universal Property and Casualty InsuranceCompany prove by the greakr weight of the eyidence that the Plaintiffs failedto substantially comply with all oftheir po#t-loss , -- - = providing a valid s@brB#86fofloss, showing the dam4edpr6pmty amd c,iuse bfldis, if reasonablypossible) and that such failue to substantiallycomply caused prejudice to UniversalProperty & Casualty InsuranceCompany? 1 Yes No V -R: .t //A Ityour answer is "No", please proceedto answer Question No. 4. If your answer is *Yes"; th,*youFverdic*is fo;IJnivgsilProperty & Casualty 1*sur=de.C,i Lw *-> 1 Me#se skip Ques:ij,n NK 4, sign ai@-date ihe Verdict Form and 4#jt f# tjtd - Bailim -.I. I-2 rxii.. -V. 4. What is the total amount ofdamagesexcludingmold (fungi, wetordry rot, orbactena) -that the PKdff; *rd-entitled.torecoverlom Univmsa! Propeir&.CasualtyF -Oi cei " ' 4'. - Co: ; , y under the subject policy? Lzu >X V 57,836.83 7 Utc 1 t-'1? S Please sign and date the to the Bailitl that you have reached averdict. Wl\,. j /-,-,-,JB/i, N.--tx i E. 1, - - '.--49\TEr f- == MRC/.ikf: - i- Dated is 7.ay ofFebniaiy 2023. .- . -, V <1,/% ,/Ey. NBEDMOAWNES /4. B * : 3.>. , 22223 FEB ATRUECOPY 2